Qualifying Rate
Uses the greater of your rate + 2% or the benchmark.
Stress Test
Will You Pass the Stress Test?
See the qualifying rate lenders must use and whether your income supports the mortgage you want.
Mortgage Stress Test Calculator
Loading the mortgage stress test calculator. Or call 416-766-9000.
Why use it
What This Calculator Gives You
Pass or Fail
Know where you stand before you apply.
Improve Your Odds
See how income or down payment changes it.
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Frequently Asked Questions
Are these mortgage calculators free?
Yes, every calculator is completely free to use and requires no signup.
How accurate are the results?
They're solid estimates for planning. A licensed advisor confirms the exact numbers for your specific situation and lender.
Do you store my information?
You can use every calculator without submitting anything. If you choose to have results emailed, we only use that to help you.
Can you help me get the rate I calculated?
Yes. We compare 30+ lenders to find you a real rate, at no cost. Talk to a licensed advisor any time.
Official mortgage brokering partner
Ready to Act on Your Numbers?
These calculators are powered by Cannect Inc., a fully licensed Canadian mortgage brokerage and our official brokering partner. When you're ready to turn an estimate into a real rate, Cannect compares 30+ lenders for you, with transparent advice and no cost to compare.
Licensed & regulated brokerageAccess to 30+ lendersNo cost to compare your options